Rolled-up interest
How does rolled-up compound interest work on a lifetime mortgage?
All lifetime mortgage lenders offer rolled-up interest plans. With a rolled-up interest lifetime mortgage, the interest accrued does not need to be repaid each month and instead it’s added to the loan balance.
If the mortgage you take out is one where the whole amount of the interest is rolled-up, (you have the option to make repayments should you wish), that means at the end of the first year, the amount of interest charged will be added to the amount you originally borrowed. The following year, the interest will be compounded. This means interest will be calculated on the amount of your original borrowing, plus the interest, which was charged during the first year. The same process applies the following year and so on, so although the interest rate being charged remains fixed for life, it will be calculated on a larger amount each time, because the amount you owe will grow over time.
While it may appear that the amount owed is growing rather fast, it is very likely the value of your property will also be growing, which significantly offsets the compounding effect of the rolled-up interest.
If this still sounds a little confusing, please look at the case study below, which explains this.
In our case study, the figures are based on a male age 71 and a female age 69. According to mortality rates, the last person to pass away will do so in 19 years’ time, therefore, the figures detailed below are for a 20-year mortgage term.
The value of the property is £500,000 and these clients wish to borrow £175,000 for home improvements and gifting to family. They also intend to add our advice fee of £995 and solicitor’s fees of £900 to the total borrowing.
In this scenario, the applicable interest rate to the mortgage is 4.63% and all loan payments are rolled-up. The house price inflation applied to this scenario is 4.0%, which is set at a very conservative level. For example, average house price inflation in the whole of Buckinghamshire for a semi-detached house since the inception of land registry in 1996, to the present day is 6.88%.
You will see from the graph and figures below; the value of the home has risen to £1,095,562 and the equity release mortgage has rolled up to £437,361 over 20 years.
| Year | Drawdowns | Interest | Payments | 31st Dec | Cost | 1st Jan | Increase | 31st Dec | Equity |
|---|---|---|---|---|---|---|---|---|---|
| 1 | £0.00 | £8,190 | £0.00 | £185,085 | £185,085 | £500,000 | £20,000 | £520,000 | £334,915 |
| 2 | £0.00 | £8,569 | £0.00 | £193,655 | £193,655 | £520,000 | £20,800 | £540,800 | £347,145 |
| 3 | £0.00 | £8,966 | £0.00 | £202,621 | £202,621 | £540,800 | £21,632 | £562,432 | £359,811 |
| 4 | £0.00 | £9,381 | £0.00 | £212,002 | £212,002 | £562,432 | £22,497 | £584,929 | £372,927 |
| 5 | £0.00 | £9,816 | £0.00 | £221,818 | £221,818 | £584,929 | £23,397 | £608,326 | £386,509 |
| 6 | £0.00 | £10,270 | £0.00 | £232,088 | £232,088 | £608,326 | £24,333 | £632,660 | £400,571 |
| 7 | £0.00 | £10,746 | £0.00 | £242,834 | £242,834 | £632,660 | £25,306 | £657,966 | £415,132 |
| 8 | £0.00 | £11,243 | £0.00 | £254,077 | £254,077 | £657,966 | £26,319 | £684,285 | £430,208 |
| 9 | £0.00 | £11,764 | £0.00 | £265,841 | £265,841 | £684,285 | £27,371 | £711,656 | £445,815 |
| 10 | £0.00 | £12,308 | £0.00 | £278,149 | £278,149 | £711,656 | £28,466 | £740,122 | £461,973 |
| 11 | £0.00 | £12,878 | £0.00 | £291,028 | £291,028 | £740,122 | £29,605 | £769,727 | £478,700 |
| 12 | £0.00 | £13,475 | £0.00 | £304,502 | £304,502 | £769,727 | £30,789 | £800,516 | £496,014 |
| 13 | £0.00 | £14,098 | £0.00 | £318,601 | £318,601 | £800,516 | £32,021 | £832,537 | £513,936 |
| 14 | £0.00 | £14,751 | £0.00 | £333,352 | £333,352 | £832,537 | £33,301 | £865,838 | £532,486 |
| 15 | £0.00 | £15,434 | £0.00 | £348,786 | £348,786 | £865,838 | £34,634 | £900,472 | £551,686 |
| 16 | £0.00 | £16,149 | £0.00 | £364,935 | £364,935 | £900,472 | £36,019 | £936,491 | £571,556 |
| 17 | £0.00 | £16,896 | £0.00 | £381,831 | £381,831 | £936,491 | £37,460 | £973,950 | £592,119 |
| 18 | £0.00 | £17,679 | £0.00 | £399,510 | £399,510 | £973,950 | £38,958 | £1,012,908 | £613,398 |
| 19 | £0.00 | £18,497 | £0.00 | £418,007 | £418,007 | £1,012,908 | £40,516 | £1,053,425 | £635,417 |
| 20 | £0.00 | £19,354 | £0.00 | £437,361 | £437,361 | £1,053,425 | £42,137 | £1,095,562 | £658,201 |
Therefore, in this scenario the amount of equity available to the beneficiaries after the equity release mortgage has been repaid in full is: £658,201
However, if the actual house price inflation figure of 6.88% is applied to the same scenario, the amount of equity available to the beneficiaries after the mortgage has been repaid is: £1,454,542
All figures correct on August 2022.
This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
Our satisfied clients
We were recommended Frog Financial by some friends who had recently bought their first house, and we couldn't be happier! Greg was amazing from start to finish, keeping us informed throughout the process and always on hand to answer any questions we had. Charley also helped us find the right Buildings & Contents insurance for us, and had everything sorted & ready for exchange. We'll definitely be recommending the Frog team to any friends buying their first place!
Megan Griffin
10:25 14 Apr 25
Frog were incredibly helpful when I approached them for a mortgage recommendation. Craig really took the time to understand what I needed and was very supportive throughout the process. Mortgages and the jargon around them can seem very overwhelming, especially to a first time buyer, but Frog made it a lot less stressful. Would definitely recommend!
Carla van der Sluijs
10:14 31 Mar 25
I can’t recommend Charley highly enough! From the very start, she made the process of getting my building and contents insurance seamless. She provided me with a list of options, sent detailed and informative emails, and was incredibly flexible, kind, and patient throughout.The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
Tannaz Rastegar
13:06 17 Mar 25
I went to Frog for mortgage advise on buying a second property. Initially Greg provided me with various options available to me and spent the time explaining the pros and cons of each. This made choosing the right option very easy, feeling confident with my choice. Likewise, Charley was a great help with finding me the right insurance for my new property and landlords insurance.
Denis Bywaters
14:19 15 Mar 25
Thoroughly professional and superbly efficient service. Moving home is stressful enough. My buildings insurance was at least one thing I did not have to worry about.
Se7en Group
17:07 03 Mar 25
I cannot recommend Frog enough. They have been so helpful and supportive.They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.Thank you so much for making the house buying process almost completely stress free.
sophie Stockton
11:18 10 Feb 25
We were recommended Frog by a family friend, and they have been absolutely brilliant through the whole house buying process. As first time buyers, the whole team has been so supportive always answering phone call and emails. Greg was so supportive when it came to our mortgage inquiries, very helpful and personable. Charley and Danni have been so helpful with insurances and Will writing, and we look forward to using them again in the future.
Sammy Isaacs-Johnson
11:04 10 Feb 25
Frog Financial are definitely well worth a 5 star review, Greg and the team are fast, efficient and professional and always seem to put the customer first.
Nick Jones
19:51 27 Jan 25
Frog financial management services provided us excellent help during purchase of our sweet first home in UK. Greg our advisor was very helpful, soft spoken person. Despite of my limited visa, Greg helped us to get mortgage with best available rate in the market.Highly recommended
Mukesh Singh
10:52 16 Jan 25
I couldn’t recommend Frog Management more. Greg made the mortgage application process really easy for my boyfriend and I who were first time buyers. I’d first been in touch with Greg a year prior when we started our property search and once our offer was accepted I got straight back in contact with Greg who was prompt to get everything moving for us. I would highly recommend Frog Management!
Danielle Louise
20:02 27 Dec 24
The team at Frog have been fantastic throughout the entire process. Providing great advice and having a proactive approach, I can't recommend them enough!
Aaron
11:55 14 Dec 24
The whole team at Frog were outstanding for us. Greg was our contact for our Mortgage application and he couldn't have been more helpful. He was always available and happy to help with anything, very knowledgeable and we really felt like he wanted the best for us. Charley and Danni also assisted us with insurance cover and they were very helpful and knowledgeable when it came to understanding the policies. They regularly checked in to see if they could help with the whole process, which was greatly appreciated. All the team made the house moving process that bit less stressful and are thoroughly recommended.
Sam E
13:20 12 Dec 24
I recently worked with Charley to set up my contents insurance, and I couldn’t be happier with the experience. She was incredibly knowledgeable, professional, and took the time to explain all the details of the policy, ensuring it met my needs perfectly.The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
Maliha Zaidi
08:53 12 Dec 24
I can't recommend Frog Financial Management enough!They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Tom Roberts
20:05 02 Dec 24
Had a great experience with Frog Financial management. They work proactively, give good advise and are always quick on the ball. Would very much recommend.
Jolijn Bronneberg
14:17 27 Nov 24
If you're looking for mortgage, insurance or any other financial protection advice, you really couldn't do any better than Greg, Charley and the rest of the Frog team. Since putting our house on the market, Greg was very quick to respond and generous with his time - always explaining things clearly and what our options were. With Frog's support, we had trust that we were making the right choices for our family.
Owen Adkins
21:10 14 Oct 24
The team at Frog are oustanding. A big thanks to Charley (who is amazing) at helping with my home insurance.Thank you very much
John Vassallo
10:56 25 Sep 24
I can't thank Frog Financial enough! They made buying our first home so easy and stress free. Greg was so helpful throughout the whole process and really took time to explain things in detail. The rest of the team were also super helpful and proactive and so responsive to our emails and phone calls. I honestly cannot recommend them enough!
Tom Harding
15:28 22 Sep 24
Greg, Ruth & the whole team at Frog Financial have been amazing at securing mortgages for myself and my sister. We have had lots of changes & challenges and they have been very helpful & quick at responding to multiple questions! For myself, being self employed, Greg worked wonders to find a lender that worked. Fingers crossed until it all completes!
sarah heduan
15:25 03 Sep 24
I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you
Lesley Ashton
11:54 20 Aug 24
Can't recommend Craig and his team enough! Amazing family ran business who will work tirelessly to provide you the best service. Got us exactly what we wanted and was always just a phone call away if we had any queries or needed some advice and support.Will definitely be using them again.
Sacha Podda
11:36 19 Aug 24
I could not recommend using Frog financials more!They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.I will definitely be using them again in the future!
Katie Bryden
14:02 13 Aug 24
Greg and the team have been super helpful throughout the whole mortgage process! Greg has explained each part of the application with great detail to make sure we understand it fully. They were prompt in their replies and made this a completely stress-free experience, highly recommend!
Emma Hooley
15:19 05 Aug 24
Very professional and knowledgeable service with great detail and kindness, I have been using frog services now for 12 years and am very happy with the products they find for me
Paul Singh
13:13 15 Jul 24
After trying various agents and insurers, Frog FM was able to secure exactly what I needed and for a reasonable premium. Professional and friendly service. I know who to go to first next time!
Simon Gardner
17:44 05 Jul 24
I first contacted Frog several years ago and they are now my "go to" company for all financial matters and advice. I have always found them friendly, efficient and easy to deal with, and I applaud their ability to convert "financial jargon" into everyday understandable language.I also especially appreciate that they will contact and remind me when I need to review some aspect of my finances. I can without hesitation fully recommend Frog and all their team members
Roger James
10:26 28 Jun 24
Charley and Danni have been exceptional in assisting me with managing my insurance requirements. They offer an outstanding and effortless service.
Alex Woodford
09:29 13 Jun 24
Amazing.Charley and Greg were amazing in listening to my needs and being able to offer the best solution for me.Thank you Charley for your patience with me. You have been incredible.I like the fact that they are a local company.I strongly recommend them.
mireille lavollee
14:39 12 Jun 24
I have used Frog Financial for several mortgages and cannot recommend them enough. Extremely helpful, professional and efficient and always going above and beyond to make the process as smooth as possible and finding the best options for me. Everyone in the team is brilliant to work with and I will of course be using them for all future mortgages! Sam x
Samantha Simpson
14:49 21 Apr 24
I dealt with Greg to get a mortgage on my first property - he was fantastic, helped educate me on the process as well as coming up with outside of the box solutions, really happy with the service and will 100% use him again in the future.
Tom Evans
15:01 16 Apr 24
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future.Helena & Jason
Jason Benn
15:33 10 Apr 24
Greg and the team at Frog Financial have been excellent with finding me a mortgage a couple of years ago and managing the renewal recently. They have been able to find the best deals in the market and provide good options and advice based on our conversations. They are friendly, attentive and responsive and I highly recommend them.
Carl Goodman
09:21 08 Apr 24
Amazing team could not have done it without them.
Grace Kearns
21:08 26 Mar 24
Excellent service from Charley on a non-standard building and contents insurance. She was prompt, and knowledgeable, and helped clarify various issues
andrew grant duff
12:42 04 Mar 24
Phenomenal service. I have and will recommend Frog Financial to everyone. Informative, helpful, great communication, so kind, and we really felt like the whole team cared about us. Took so much of the stress out of the process. We have no doubt that we will use Frog again! 🐸
Elena Prokopiou
20:04 24 Feb 24
Arranged our mortgage deal and building insurance with Frog. They were really helpful throughout the whole process and we would have no hesitation at all recommending to others.
William Oakes
12:18 16 Feb 24
Just the best, Greg helped me find a mortgage for my first property when other mortgage brokers couldn't find one to fit my needs. They were great answering any questions I had and helped me a lot throughout the house buying process. Also helped find and set up house insurance. Will be continuing to use them in the future and I highly recommend them.
K.K. Gres
10:59 05 Feb 24
I was directed to Frog Financial in September 2018 and received excellent financial advice and general guidance. Since then I have requested them to investigate house insurance for me and have always signed up to the suggested policies.I would have no hesitation in suggesting they are approached by my friends to discuss their requirements.
Dave Shirvell
15:10 24 Jan 24
Charley was fantastic to work with. She was super efficient, working swiftly to find the best deal and to make it happen. I would be thrilled to recommend her and Frog Financial.
Jackie Samuel
08:30 17 Jan 24
The team at Frog did a stellar job of our remortgage, they took the stress out of the process with prompt, friendly and most importantly informative communication which made the whole process a breeze. We would not hesitate Frog to anyone. Thank you!
Lawrence Mills
17:48 12 Jan 24
I have been using Craig and Greg for 3 years and I have been very impressed with the service from Frog. The mortgage solutions that I required were fairly unusual and Greg was able to provide a bespoke service to suit my needs.
mark jordan
15:46 03 Jan 24
Amazing financial service from Greg and his team.Really friendly, approachable and efficient. No waiting around for anythingGreat knowledge on helping me, they were also very patient and made the experience stress free. I will be recommending them to anyone needing help with mortgage /financial mattersFeel more secure now with help and advice given. Will be back again in 2 years
samantha strudwicke
16:22 18 Dec 23
Amazing service...always a very professional and quick service. Would definitely recommend:)
Clare Over
19:41 13 Dec 23
I had a great experience with Frog Financial Management. Right from the start Greg was super reassuring and knowledgeable. As first time buyers we had a lot of questions and the whole team were always on hand to answer them. Greg, Danni and Charley were beyond helpful, always responsive and got everything that we needed sorted out, which added some peace of mind to what can be a scary process!
Alice B
13:32 12 Dec 23
Frog Financial have been sourcing property finance for me for several years. Always on hand to offer advice in the ever changing and complex world of mortgages! Charley can also source competitive property insurance.
Ben
10:55 16 Nov 23
Craig,Ruth and the team have been fantastic.After a bad experience with another advisor, I contacted Frog.From the start Craig explained exactly how he would apply for the mortgage.My application was not straightforward as I had been Ltd for only one year.Craig, Ruth and the Frog team were extremely persistent at getting me the mortgage and always kept me updated and informed ,even calling out of hours for some reassurance.They are very professional and genuinely nice people, and great at what they do.I cannot recommend them highly enough.
D Farrow
21:15 06 Nov 23
Excellent service, very proactive and quick to source our insurance policy renewal options from the market. Would highly recommend them. Charley has been providing great service to us.
Girish BP
09:15 04 Nov 23
I’ve used Frog Financial services for nearly 3 years in a row for my home contents insurance. Charley is beyond professional and helpful and is always willing to to go above and beyond with any questions I may have. I would high recommend their services!
AK
17:50 02 Nov 23
I have just used frog financial management for equity release. They were helpful and informative. They helped me every step keeping me well informed. Thankyou to all the team, I would definitely recommend them.
Mandy Kent
11:35 26 Sep 23
I wouldn't go anywhere else for mortgage help than Frog Financial. They are so helpful throughout the whole process and no question is too big or too small for them. I'd recommend them to anyone.
Megan Booth
12:51 20 Sep 23
Couldn’t recommend higher. Fantastic team from beginning to end. Managed to secure me a great mortgage even in these tricky times.
Grace Kearns
10:26 04 Sep 23
Usually, I am always reluctant in giving out services base on google search as I believe in referrals for certain important & delicate things like getting a mortgage application done perfectly well. However, I will say my opinion has now changed based on the professionalism and way my application was handled at Frog! I am grateful to Craig, Val, and the whole team at Frog- You all have made me realise that a client does not need to be seen face to face before a great client base work can be carried out! Well done for the fantastic job done in getting my mortgage application through, hitch free. I am happy I made the decision to bet on you when my initial broker disappointed me :). I will recommend Frog to friends, family and anyone reading this.
olubunmi ogunniyi
17:51 03 Sep 23
Frog are completely on the ball. They source competitive rates and email us when our insurances need renewing - ensuring year on year that we get the best deal. They have sourced our mortgage for over 6 years and given us financial advice regarding our Wills and life assurance. We wouldn’t be without them. Thank you to Craig, Charlie and the team. You have made a huge difference to reducing our stress with financial worry.
Clare Denny
17:47 30 Aug 23
Friendly and helpful from the get go - thank you Greg & the team for all your help securing our mortgage as first time buyers! As a self-employed business owner (with a part time job) it was really difficult to know how lenders would take my different income streams into account. Greg explained everything with clarity and made an overwhelming amount of facts and figures seem simple and coherent. If I could give more than 5 stars I would!
Laura Owen
22:50 21 Aug 23
I couldn’t recommend Frog enough. Our advisor Greg’s advice is always thorough and up to date with the latest market trends. Greg has been meticulous in explaining the nuances of my partner and I’s financial situation with clarity, which has empowered us with the confidence to make sensible informed decisions. I’m not confident that we would have managed to secure the mortgage offer that we have had we gone elsewhere. Everyone at Frog has been very friendly and approachable and are a pleasure to work with!
Dan Muckle
17:35 18 Aug 23
We have used Frog since our first house move in 2007. We have continued to use them on subsequent moves and when we remortgage - they take the hassle out of everything and are very quick to address things that come up before they become issues. We recently used frog to help identify the best house insurance - Charley was excellent! We are very happy with the service and continue to use them. Friends and family have been satisfied with Frog too and we will continue to recommend their excellent service!
Anthony Gilbert
10:32 18 Aug 23
I Highley recommend Frog! I dealt with Craig and Charley mostly who where very patient with me explaining the process in detail as this was my first time securing a mortgage. Great communication with emails and calls answered speedily. Thank you Frog!
Michele St Arnaud
08:27 18 Aug 23
Absolutely recommend Frog! My husband and I dealt with Greg who was incredibly thorough and helpful with getting us a new mortgage. He gave us very in-depth information on the process but used very understandable terminology so it didn't feel like he was speaking gibberish haha! He also got us a great life insurance upgrade opposed to our previous provider and we really appreciated that!Go use them for your next remortgage pronto!
Francys Frear
15:15 01 Aug 23
Very professional company who clearly understand the elements needed to secure a mortgage. Used them a few times and always been impressed with service.
David Jarvis
14:36 20 Jul 23
Really wonderful people to deal with. They checked in regularly, always keeping an eye out for better rates for us during our house buying process. They were always quick to remember our exact situation and we always felt they had our best interest at heart. Look forward to interacting with them again.
Sam Causley
17:21 18 Jul 23
Very easy process, good communication throughout. Would definitely recommend.
Mark
13:44 14 Jul 23
I usually tend to do my own home/content quotes but as life has been so busy lately and have been speaking to Frog about remortgaging I thought I would ask them. So glad we did saved me having to get lots of different quotes and read through the information as was after a like for like quotation. They couldn't have been more helpful and informative. Will definitely be using again!
Zoe Lancaster
12:33 12 Jul 23
I was recommended to Frog by a friend and was super impressed by the personable and professional service I received. I found everyone to be really friendly and helpful and want to give a special thanks to Greg and Charley for not only sorting my remortgage, but for setting up my home insurance too.Will definitely be using again in the future!
Lucy Frankson
18:00 10 Jul 23
We have used Frog for many years for arranging our mortgage and have always been impressed by the options provided and professional support.
Andrew Field
19:27 15 Jun 23
Great company, Craig and the team worked hard and resolved any problems they encountered. I would definitly use their service again and have already passed their details to friends looking to buy.
Mark Dudley
12:02 22 May 23
Great experience using Frog, the team are very responsive and professional, would highly recommend!
Andrea Haslam
16:54 10 May 23
Having used Frog Financial intially for a FTB application and now for our remortgage, the Team have been fantastic in supporting us. Everyone is super responsive and happy to answer any questions along the way - which was particularly useful being a FTB, where the whole mortgage process seems so convoluted and complex. When it came to remortgage time, I knew we were in safe hands and didn't have to worry too much. Greg, Ruth, Craig, Emiley, Charlie and team are highly professional and always go the extra mile.Would definitely recommend to anyone looking for a mortgage and insurance broker that gets stuff done!
Petar Kirilov
13:26 10 May 23
This is the second time we use Frog (first time for buying our house and now for remortgaging) Both times everyone in the team has been extremely helpful and they have always managed to find us the best deal and act with lightning speed when needed. Thank you for all that you do.
Anna Hristova
11:44 10 May 23
Frog financial are helpful and responsive. We found Greg to be really useful in explaining our different options, and finding us the best rate, which took all of the work and stress away from us.
p .vickerton
14:59 17 Apr 23
Excellent service. Really good communication, advice and products offered. A pleasure to deal with. Thanks
The Spin
09:18 31 Mar 23
We have recently just completed on our first home and it’s all down to Frog Financial! From start to finish they have been so helpful, really quick responding to emails and any queries we had.We were very apprehensive with the whole process having heard horror stories from friends and family but the team at Frog have been amazing. We felt so at ease during the whole process, having dealt with Charley, Greg & Danni, they have all been out of this world. My partner and I didn’t have a clue where to start but the team at Frog talked us through every single step and put us both at ease.We honestly can’t thank you all enough for what you’ve done for us. We will certainly be using their services again & would recommend them to anyone and everyone! Truly thank you so much for everything, the absolute best in the business!Samantha & Charlie
Samantha Woodall
21:43 29 Mar 23
First class service. Extremely competent, helpful and friendly brokers. They made the whole process much easier for us, in fact I don’t think we would be able to go through it at all without their assistance. Highly recommended! Big thank you to the whole team.
karolina jedrzejczyk
20:37 29 Mar 23
I found Frog Finacial online... I have say my experiance with them has been first class. Later this year I will be using them again my the rest of our mortgage renews. I can't recommend these guys enough
Dave Currie
16:45 24 Mar 23
Having recently used Frog Financial Management to source our first mortgage we have been completely blown away. The level of detail that they have gone to in order to source us the most suitable product has been second to none. Charley & Greg have both been incredible. Nothing was ever too much trouble and no stone was ever left unturned. From the initial welcome to us completing on our mortgage, we felt at ease from the outset. They managed to take the stress out of the home buying process and simplified everything for somebody whom this was all alien to. We will be recommending Frog to anybody who ever needs any financial advice and will absolutely be back and after your advice when we need it going forward. Thank you once again!Charlie & Samantha 😊
Charlie Barclay
17:46 17 Mar 23
My husband and I have used this company many times for several years, most recently for a new mortgage ! They continue to be an outstanding company, professional and reliable every time.They are always extremely helpful and quick to respond to any question you have.I have and will continue to recommend them to everyone !
S Symon
14:48 16 Mar 23
Informative, friendly and timely. Would definitely recommend to anyone looking for financial advice and recommendations.
Bianca Fuentes
15:11 08 Mar 23
The whole team at Frog were fantastic from start to finish! Despite a couple of changes in my circumstances throughout the process, they were understanding and helpful to an endless degree. I cannot recommend them enough!
Chris Leeks
16:03 03 Mar 23
I've worked with Frog for several years and have always been very happy with all services. Definitely recommend for any mortgage and insurance!
Robin Holloway
13:40 23 Feb 23
We've been helped by this great team for over a year now and every step of the way they have been fantastic. Would recommend 100%
Adam Honey
13:10 22 Feb 23
guy morgan
14:38 20 Feb 23
Can’t recommend Frog Financial Management highly enough! Craig, Greg and the team are always quick to reply and take the time to fully explain every element of the process, both over email and the phone. They explained our options comprehensively and kept on the lookout for better deals for us throughout the process. We felt informed and reassured throughout and we’re delighted to have our offer confirmed so quickly. Thanks very much!
Clare Holloway
17:28 19 Feb 23
We had a wonderful experience with Frog Financial Management. Really friendly and helpful service and worked very hard to find us a mortgage in a very different market and continued to push it through to completion. Would highly recommend.
Danielle Harvey
15:57 15 Feb 23
We had an amazing experience with Charley when it came to renewing our mortgage (and was prompt to identify any concerns). She was incredibly helpful, fast and informative. The whole team at Frog Financial are great! Would definitely recommend.
Lucas Bender
09:26 13 Feb 23
Very friendly and helpful the whole way through getting a mortgage for our first home. Gave great advice and options during the process. Went above and beyond for us and made it easy and smooth the whole way through
LegionScifi 1
08:43 11 Feb 23
Greg and Craig have been great at helping us through what can be at times a minefield with regards to mortgages. Over the years they've helped us enormously with finding the best products and options for remortaging. Courteous, friendly, and professional throughout. Thank you.
Z P
16:42 04 Feb 23
Frog have been fantastic in supporting me with a personal protection plan and making a will. Danni provided me with clear information, expert knowledge and an individually tailored approach to suit my needs. I was kept updated regularly and everything was explained clearly, to ensure I fully understood the process.Danni, Greg & the team were friendly, efficient and professional to work with.I’d highly recommend Frog - a big thank you to all the team!
Fiona West
15:03 24 Jan 23
As the office at Frog will know our journey with our property purchase has not been plain sailing. With a turbulent market housing and mortage rates we could not of had a more dedicated team to help us get our mortage offer. Greg worked tirelessly with us to ensure we had the best rate possible, whilst always considering our best interest at heart. His email were always full of consideration in making the best choice for our personal circumstances and we could not recommend him more. His communication and support at key points are the reason we have secured a mortgage on the house we love . Thank you all.
Megan Burnham
20:18 11 Jan 23
I would highly recommend the Frog team, I found them to be helpful, professional and very quick to respond to any questions I had.I felt like I was in very safe hands and they always helped me to understand every step of my mortgage application.Thank you to all the team for looking after me so incredible well.
Caroline Kearns
14:20 10 Jan 23
Ive been with Frog for 6 plus years now, and i wouldn't have it any other way, very professional, very attentive, and extremely efficient with such a great team.HIGHLY RECOMMENDED.
Amjid Curtis
11:08 10 Jan 23
Would highly recommend! Extremely efficient and straight forward. I had great communication and quick responses all the way through the process as well as being kept fully informed at all stages.
Jenny Russell
22:17 07 Jan 23
I can highly recommend Frog Financial from start to finish in what has been a turbulent experience for anyone in the property sector over the last few months. Craig is a highly experienced operator. His advice is based on deep knowledge and experience of the markets and importantly, always from a position of honesty and what is best for the client, rather than his fee. Ruth is an excellent broker, with tenacity as well as humanity. Greg went the extra mile - maybe 10 miles - and took time to give extremely valuable advice, which may have saved the deal. Emiley is like a dog with a bone in chasing everything through and Charley picks up the baton to get the right insurance in place. This place is a hub of professional excellence that I have used before and will use again.
Zamala Bookbinder
14:15 23 Dec 22
Had a very smooth and professional experience with Frog. A mortgage (in complex circumstances), house and life insurance, all completed smoothly. The advice was invaluable. Many thanks to all at Frog.
Mark Crumpler
19:31 11 Dec 22
Frog were very proactive and diligent in looking for the right cover for us and came up with a sensible premium for our needs. The team are always happy to help and offer practical solutions.
Take One TV UK
10:12 06 Dec 22
I’ve been supported by Craig and Greg for over 10 years now with mortgage advice. Not only are they super efficient but they’re also so patient with explaining things to me to help me best understand my options.Frog Financial really do go the extra mile to ensure your mortgage goes through smoothly. Super friendly team and very responsive - I’ve referred several friends to them over the years who have all reiterated how professional they are. Highly recommend!
Jessica Wilson
08:35 05 Dec 22
Amazing service and reactivity - Charlie was brillant
Guillaume Chanoit
13:59 18 Nov 22
BIG thank you to everyone at Frog Financial Management for your help onmy journey to a new mortgage.I couldn’t ask for a better and smoother process.Always on the other side of the phone, very kind and most helpful.I would highly recommend your services.Monika
blue m
22:09 16 Nov 22
Being a first time buyer I was overwhelmed by the amount of information out there. After seeing the 5 star reviews of Frog I reached out to set up an appointment and I was immediately impressed with how efficient they were slotting me in for a meeting that same week. Greg spent time with us running through all our questions in an incredibly friendly and helpful manner so I felt reassured about the whole process and how Frog could help us.We happened to see the house we wanted to purchase over the weekend and Greg was so quick to find the best mortgage deal for us so we could be confident with making an offer. Throughout the process I've found Frog to be very responsive, helpful and clear with communication. The added benefit of having Charley help find home insurance was greatly appreciated.Overall it's been fantastic working with Frog and I know when my fixed rate comes to an end I'll be working with Frog again. Thank you to Greg, Charley and team!
Tara Phaneuf
08:54 11 Nov 22
All of the staff I have been in contact with at Frog Financial have been fantastic and I am very satisfied with the products they recommended. Charley has been very efficient and I would not hesitate to recommend them to friends & family.
Michele Ryan
17:03 10 Nov 22
Frog Financial has helped me with several mortgages over the years and I just went through the process with them again a month or so ago. Greg and Craig were wonderful throughout the process. During these uncertain times they were responsive, helpful, and proactive ensuring that we locked in our mortgage rate and successfully got our new house. I will continue to use the team for all of my mortgage and financial needs!
Cassandra Browning
14:59 02 Nov 22
We were recommended by a friend to use Frog and we have been very happy with the service. Helpful and quick at responding to queries and questions and explaining things when needed. Highly recommend!
Nathan Hamilton-Smith
20:10 30 Oct 22
